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Home Insurance Rates in 38339

For homeowners shopping online in 38339, our insurance rates are very competitive for homeowners living in Guys, TN. Many homeowners based out of the great city of Guys have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Tennessee licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 38339, simply click the "Get Multiple Quotes Now" button. Your 38339 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Guys, TN Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

38339 Home Insurance Rating is: High!

If you live in 38339, you can easily save up to 40% off the average home insurance premium of $992 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Guys can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 38339 today!

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38339 Home Insurance Average Premiums

Local 38339 homeowners insurance quotes comparison

$742 /yr.

Shows Zip Code: 38339 lowest rates with discounts applied on average.

For the 38339, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$742 /yr.
Average Coverage:$992 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1292 /yr.

What is the average home insurance cost for a home in 38339?

  • • The average homeowners insurance premium paid annually for a home in 38339 is around $992 per year.

What does it cost on average per month for home insurance in 38339?

  • • Homeowners in 38339 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 38339?

  • • Autoowners in 38339 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Guys area, check out other zip codes nearby 38339.
Review average rates in another zip code:
38339 homeowners insurance rates

Home Replacement Cost Coverage in 38339

Average Building Cost Per Square Foot in 38339: $135

Location: Guys, Tennessee (Mcnairy County)

Average Square Footage in 38339: 1,323 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38339 before you start any project. Guys homeowners pay on average around $135 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 38339 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 38339 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,323 sq. ft. and the average cost to rebuild the home in this area is around $135 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Guys area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1351,323$178,600
Additional Upgrades & Added Features$1691,323$223,250
Major Home Updates or Advancements$2031,323$267,900

It's important to understand that when you estimate your replacement cost of your home in the 38339 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 38339

Best Home & Auto Insurance Agencies in 38339

Housing Demographics for 38339

Population Review for 38339 Zip Code

For the city of Guys, the population within 38339 has increased to over 709 residents in population size. The current population total is 653. We have broken down the population based on race below. In 38339, there are over 303 in male population and 350 females.

PopulationValues
Total Population653
White Population565
Black Population69
Hispanic Population9
Asian Population1
Hawaiian Population0
Indian Population1
Other Population3
Male Population303
Female Population350
Population Estimate709

Household Data for 38339

The average number of homes in 38339 is around 287, there are an average of 2.28 per household. The average house value according to local real estate values is around $178,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode287
Persons Per Household2.28
Average House Value$178,600
Income Per Household$39917
Median Age46.4
Median Age Male42.9
Median Age Female48.5
38339 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityGuys
City Alias NameGUYS
CountyMcnairy
County FIPS109
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees25
Business First Quarter Payroll163
Business Annual Payroll692
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District07|08
Congressional LandArea9160.44|6850.53
Delivery Residential311
Delivery Business12
Delivery Total361
Preferred Last Line KeyX25279
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25279
Land Area19.838000
Water Area0.000000
City Alias Code
City Mixed CaseGuys
City Alias Mixed CaseGuys
Box Count33
SFDU311
MFDU0
State ANSI47
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number473768
Unique ZIP Name
SSA State County Code44540
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseMcnairy

Tennessee Homeowners Insurance News & Information

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